Call reports 2003
FIRST INTERNATIONAL BANK — 2003
What FIRST INTERNATIONAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 173,018,000 | 181,894,000 | 191,815,000 | 196,426,000 |
| Total loans | 157,551,000 | 164,205,000 | 172,867,000 | 179,297,000 |
| Allowance for loan losses | 1,095,000 | 1,305,000 | 1,520,000 | 1,918,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,594,000 | 151,093,000 | 159,176,000 | 158,650,000 |
| Interest-bearing deposits | 117,419,000 | 125,137,000 | 131,000,000 | 133,828,000 |
| Noninterest-bearing deposits | 24,175,000 | 25,956,000 | 28,176,000 | 24,822,000 |
| Equity capital | 14,763,000 | 15,318,000 | 16,315,000 | 16,899,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,397,000 | 4,931,000 | 7,625,000 | 10,408,000 |
| Interest expense | 777,000 | 1,552,000 | 2,251,000 | 2,949,000 |
| Net interest income | 1,620,000 | 3,379,000 | 5,374,000 | 7,459,000 |
| Noninterest income | 361,000 | 751,000 | 1,141,000 | 1,586,000 |
| Noninterest expense | 1,514,000 | 3,073,000 | 4,640,000 | 6,227,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 1,034,000 |
| Pretax income | 242,000 | 607,000 | 1,200,000 | 1,784,000 |
| Income tax | 0 | 60,000 | 106,000 | 106,000 |
| Net income | 242,000 | 547,000 | 1,094,000 | 1,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,763,000 | 15,318,000 | 16,315,000 | 16,899,000 |
| Total capital | 15,858,000 | 16,623,000 | 17,835,000 | 18,817,000 |
| Risk-weighted assets | 157,803,000 | 165,244,000 | 174,689,000 | 184,332,000 |